Characteristics relevant to the volume of credit operations of credit unions: : Study considering the number of cooperative members and the cooperative system in the period from 2019 to 2020

• Autor(a) principal: Cunha, Gabriella Barreto
• Data de Publicação: 2022
• Outros Autores: Alves, Carlos André de Melo
• Tipo de documento: Artigo
• Idioma: por
• Título da fonte: CAFI (São Paulo)
• Texto Completo: https://revistas.pucsp.br/index.php/CAFI/article/view/57266
• topic: Cooperativas de crédito. Operações de crédito. Análise de correspondência; Credit unions; Credit operations; Correspondence Analysis

Cooperatives are among the existing forms of social organizations. Such cooperatives also include those that carry out credit operations, called credit unions. The objective of this article was to investigate the characteristics pertinent to the volume of credit operations of credit unions, considering the number of cooperative members and the cooperative system in the period from 2019 to 2020. This is a descriptive research. The non-probability sample covered 847 credit unions available in the Report 'IF: date', issued from the Central Bank of Brazil. The data treatment employed descriptive and inferential statistics, residual analyses and correspondence analysis.The volumes of credit operations of credit unions didn’t show uniform distribution and they weren’t conditioned to the period of operation. However, these volumes were conditioned to the number of members and the cooperative system to which the credit union is linked.The credit unions linked to defined cooperative systems (Sicredi and Sicoob) conditioned higher volumes of credit operations. The study exemplifies the use of correspondence analysis, a multivariate technique used to simplify visualization of associations through perceptual maps. The results also may help to better understand characteristics that can be associated with the volume of credit operations of credit unions in Brazil.